Five Reasons Why Staying Home with your Kids is Cheaper Than Working as A Nurse

Five Reasons Why Staying Home with your Kids is Cheaper Than Working as A Nurse
Hey there!

***This post may contain affiliate links, which means I may receive a commission, at no extra cost to you, if you make a purchase through a link. Please see my full disclosure for further information.***

Kara the Mom Nurse here- I help other nurse mom's become stay at home mom's. Today I am going to give you five reasons why staying home with your kids is ACTUALLY cheaper! One of the the biggest factors that nurses face when deciding to stay at home with their kids is losing their second income.

Today I wanted to share with you why staying home with your kids is actually much more affordable than you think, and how to add it all up!

Grab a pen and a piece of paper and let's GOOOO!!!

1. Commute

Calculate the distance you drive to work and back. For me it was about 20 miles to work and 20 miles home. Each shift I was driving 40 miles. Calculate how much gas that costs you to drive to work and back for one shift and then multiply that by how many times you drive to work in a month. This will give you an approximate idea of how much you spend just in gas for the month.

2. Childcare

How much do you spend in child care for the last month? When you are home with your kids you won't need to pay those child care costs anymore. For me I was paying our nanny (a family member) $13 an hour and when I worked full time, we were paying her anywhere from 600-800 a month. Factor in how often you need your nanny or childcare, and what your cost is of staying home. 

3. Food/Drink Costs

How much were you spending on JUST your food or drinks? Were you stopping to get coffee drinks every day on your way to work? or on your way home? Were you bringing a lunch or were you feeling overwhelmed like I was and would end up buying lunch/supper at work? Add all of the fast food and drink cost up from last month and see where you are at. 

4. Insurance

This is a big one for many. It really depends on your family and your needs, but you can look into healthcare options like christian healthcare ministries and save a TON. (If you're interested in this just be aware of all of their stipulations and rules.) 

You may be paying for your own malpractice insurance, and you can now cut back on that or eliminate it if you are quitting work to stay home with your kids. Calculate how much this will save you by cutting that out! 

There's also all the other insurances out there, short term disability, long term disability and whatever other insurance you're paying for that you may not need due to no longer being in the work force. Add this all up to see where you were at for last month.

5. Groceries

When you are home more often, you'll be making more meals from scratch, right? Look at your last month's grocery bills and eating out bills, and add them all up. Now when you stay home, you may be forced to meal plan so you can cut spending, which for us was a good thing! Meal planning is not my zone of genius but it sure keeps me on track when I get groceries!!! (This does tie into your food/drink costs from above but this is totaled separate from that category. 

OHHHHKKKKKK, Add everything up and what is your grand total??? Are you suprised??? 

If you are truly wondering how you can cut out debt, I recommend reading this book from Dave Ramsey

Also going through Dave Ramsey's Financial Peace University would be a great start!!!

Now remember you must take everything into effect, including your own mental health. If you need to get out of the house, then by all means do that. But if you're truly looking for ways to stay at home with your kids so you don't miss out on any more of those precious milestones, you'll find the way. I just know you will. Much love to you on your journey!!!

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You got this mama!!! 

Much Love,

Kara- The Mom Nurse

P.S. When you are ready, here are a few things that I can help you with:

~Finding Yourself-(A FREE guide to re-defining your inner strengths)

~Join the Facebook Group Here. This is for kind and tender-hearted nurse mama's like yourself, that are needing a little support in your life!

~The Idea Cloud. It's what I created to keep your kids off the screen and busy doing things that I did as a kid! :-)



Five Simple Steps to Educate your Children about Good/Bad Touch

Five Simple Steps to Educate your Children about Good/Bad Touch
Hello there!

Kara the Mom Nurse to Five and today I wanted to give you some helpful steps that can get you sharing confidently with your children about what good touch is and what bad touch is. 

***This post contains affiliate links which is at no extra cost to you. I may earn a commission from the affiliate links***

Rewind a Few Years...

When my 2nd grader came home a few years back with a note from the health class about teaching good touch/bad touch, at first my heart sunk and my feelings were like... REALLY??? SECOND GRADE??? It was very much child based of course, but I was starting to wonder why they are starting to teach our kids in second grade. 

We are a christian home with lutheran values and I personally only ever went through the class on puberty in about 5th grade or so. I was really torn about sending my second grader but I chose to do it anyway.

Fast forward a few years... 

Now I couldn't agree more that in fact the teaching of good touch/bad touch needs to start when they are toddlers. It doesn't need to be complex. Just a simple system is fine, and use the CORRECT terminology. We call ears, ears right?

Please don't call the vagina something cute because you have a hard time saying such a taboo word yourself. Don't call the penis something cute either because you don't want your boy yelling PENIS when he's two in the church bench. 

I'd rather have my child yell PENIS in the church bench than to later deal with the consequences when something actually does happen later.

Step One

First get your mind right. Tell yourself that it's OK to talk to your children about sexuality as it IS part of who we are. Would you rather be hearing later that your two year old was sexually abused and didn't even KNOW it was wrong? I would rather parents be open about this subject than to hear later that something happened and you have that guilt for the rest of your life. 

I would recommend ordering this book set here, there are four books that start from age 3 up to age 16. (Personally I would start when they are a baby getting comfortable telling them what their body parts are, and implementing good touch/bad touch right away) 

Click the Picture to order these christian based books.




Step Two

Read the books or find resources on the internet to get you comfortable with teaching your children about their body and sexuality. The website I recommend is Darkness to Light. But even being uncomfortable with teaching your kids is ok, because chances are they are going to pick up on your vibe anyway. Just be up front with them and say something like, "ahhhh-you know this subject makes me a bit uncomfortable, but I want us to be open about it and be able to chat about it." or similar.

 Do it scared, do it anyway. You will NEVER feel guilty for teaching your children about this topic in today's world. 

Step Three

Read the books to your children, and keep them accessible for them to read and look at when they want to. Regularly read them, it doesn't have to be every day or every week, whatever is best for your family. If its once a month or once a quarter, just keep the topic open and honest. 

Of course lets be age appropriate here too. You wouldn't tell your two year old exact details about sex, but by ages 6-8 your children are starting to learn more about their body and are going to be curious.  Here is a tip sheet on age appropriate sexual behavior.

Step Four

Ask your children if they have any questions for you. Continue to ask. Most of the time they aren't going to come to you and ask you if it's ok that uncle touched their bottom. So ask age appropriate, but direct questions to your children. We can't beat around the bush when it comes to our children, WE ARE OUR CHILDREN'S ADVOCATES. Keep prodding if you suspect something. 


Step Five

Hang a chart like this on the side of the fridge where the kids see it regularly. Talk with them regularly about it. Remind them about it. 


When or If something does happen...

Please seek help. This is a difficult subject, but please please please seek professional help. This is just a guide to educating your children on this subject but I have been through this end of it and I want to encourage you to get the help you need. 

Sexual Abuse can and does happen more frequently than we think, and to our most beloved. We cannot live in fear, we must RISE from the fear and educate our children so they can educate their children as well. Start the cycle now so that history doesn't have to repeat. 

You got this mama!!!

Much Love,

Kara- The Mom Nurse

Please also share this post with your mama friends, so they can also educate their children. 
(Use the share buttons alongside the left side of the screen.)


P.S. When you are ready, here are a few things that I can help you with:


~Finding Yourself-(A FREE guide to re-defining your inner strengths)

~Join the Facebook Group Here. This is for kind and tender-hearted mama's like yourself, that are needing a little support in your life!

~The Idea Cloud. It's what I created to keep your kids off the screen and busy doing things that I did as a kid! :-)
 
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